Can I claim compensation if I was injured by an untraceable (hit-and-run) driver?
Road users injured in an accident with an untraceable or uninsured driver can still make a compensation claim via the Motor Insurers' Bureau (MIB). Here's what you need to know.
Claiming hit and run compensation
If you have been injured in a car or other road accident that was not your fault, you should be able to claim financial compensation.
However, if you were injured by a driver who left the scene of the accident without identifying themselves, a different process applies for hit and run compensation claims.
In most cases, road accidents are handled by the negligent driver's insurance company. The insurer generally pays for vehicle repairs and pays compensation for any injuries sustained.
But what happens if you don't know the identity of the other driver?
I was injured by an untraceable driver - can I still claim?
It is estimated that nearly 700,000 hit and run accidents happen every year on UK roads. More often than not the victims are cyclists or pedestrians, but hit-and-run accidents affecting drivers are also common.
You can make a claim as a driver, cyclist, pedestrian, or other road user if:
- you were injured in the last 3 years and
- someone else was to blame (even partly).
If you have been injured in a road accident and the identity of the other driver is unknown, it should still be possible to claim compensation for a road traffic accident:
Making a claim through the Motor Insurers' Bureau (MIB)
The Motor Insurers' Bureau (MIB) is an independent body that pays road accident compensation to the victims of uninsured or unidentified drivers. The MIB is funded entirely by contributions from car insurance premiums.
Each year, a percentage of every motor insurance policy issued in the UK goes into the MIB fund.
Whether you were injured as a pedestrian, cyclist, motorcyclist, or driver. if you were injured by an uninsured or untraceable driver you can claim through the MIB.
You can be compensated for any damage to your vehicle and personal property and any injury sustained as a result of the accident.
When calculating your compensation, the MIB will consider the injuries sustained you have sustained and the long-term effect they will have on your life, including your ability to work and future care costs.
What should I do to help my MIB claim succeed?
The MIB is considered a fund of last resort. This means that as a claimant, you must make reasonable attempts to trace the driver responsible for the accident before you start a claim.
The following will help support a claim with the MIB:
- reporting the incident to the police as soon as possible
- noting the make, model, registration, and colour of the other driver's vehicle
- noting the extent of any damage to the other vehicle
- taking the details of any witnesses to the incident
If the police and your insurer cannot trace the driver, you can then start a claim with the MIB. You do not need a solicitor to do this, although a solicitor can help guide you through the process and complete the required paperwork.
Personal injury solicitors can also advise you on what to do to improve the likelihood of success.
Making a claim through your insurer
The MIB states that it will try and reach a decision on whether to pay compensation within 3 months. However, it usually takes significantly longer to calculate the amount of compensation you will receive. As such, making a claim through the MIB can be a lengthy processing and drawn-out process.
If you were injured as a driver or motorcyclist and you hold fully comprehensive insurance, you may consider making a claim for the damage to your vehicle through your own insurer. In many cases, your insurer will settle the claim much faster than MIB.
If you lose your no claims discount as a result of the collision, you can put in a claim to the Motor Insurers' Bureau.
Similarly, if you were injured as a cyclist and hold valid cycling insurance, you may be able to make a claim. If you were injured as a pedestrian, pursuing a claim through the MIB would be the best option.
If you have been injured by an untraceable or uninsured driver, why not call us for a free consultation to discuss your options or to start a claim for compensation.
How can Quittance help?
Your solicitor will fight for the best possible compensation settlement for you, and the highly-experienced panel of solicitors have an excellent track record of winning road accident claims.
If you have any questions, or would like to start a No Win No Fee claim, we are open 8am to 9pm weekdays, 9am to 6pm on Saturday, and 9.30am to 5pm on Sunday.
Call us FREE 0800 376 1001 or arrange a callback:
if you can claim
to start a claim
Questions about the injury claims process?
Frequently asked questions:
- How will a personal injury claim affect my benefits?
- Will I have to pay tax on my injury compensation award?
- Can I make a personal injury claim for someone else?
- Can I claim injury compensation if there were no witnesses?
- Can I make an injury claim if I don't know who's to blame?
Get all the answers in our comprehensive FAQ section:See more FAQs